Current Rates



New/Used Cars & Trucks

Rates As Low As*

Model Year37 Months50 Months65 Months72 Months84 Months
2016 & Newer2.74%2.99%2.99%3.24%3.24%
2015 - 20133.24%3.49%3.74%4.24%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Rates are subject to change without notice.  Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.

2016 & Newer:

– 37 Months at 2.74%; 37 payments at $28.24 per $1,000 borrowed; Monthly Payments
– 50 Months at 2.99%; 50 payments at $21.30 per $1,000 borrowed; Monthly Payments
– 65 Months at 2.99%; 65 payments at $16.70 per $1,000 borrowed; Monthly Payments
– 72 Months at 3.24%; 72 payments at $15.32 per $1,000 borrowed; Monthly Payments
– 84 Months at 3.24%; 84 payments at $13.34 per $1,000 borrowed; Monthly Payments

2015-2013:

– 37 Months at 3.24%; 37 payments at $28.46 per $1,000 borrowed; Monthly Payments
– 50 Months at 3.49%; 50 payments at $21.54 per $1,000 borrowed; Monthly Payments
– 65 Months at 3.74%; 65 payments at $17.04 per $1,000 borrowed; Monthly Payments
– 72 Months at 4.24%; 72 payments at $15.76 per $1,000 borrowed; Monthly Payments

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Motorcycles

Rates As Low As*

1200cc or larger

Model Year37 Months50 Months65 Months72 Months84 Months
2016 & Newer2.74%2.99%2.99%3.24%3.24%
2015 - 20133.24%3.49%3.74%4.24%--

under 1200cc

Model Year37 Months50 Months65 Months
2016 & Newer4.74%4.99%5.24%
2015 - 2013--5.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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RVs, Motor Homes, Travel Trailers, Pop Up Campers

Rates As Low As*
Motor Homes

Model Year37 Months50 Months65 Months72 Months84 Months
2016 & Newer2.74%2.99%2.99%3.24%3.24%
2015-20133.24%3.49%3.74%4.24%--

RVs/Travel Trailers
Model Year37 Months50 Months65 Months
2016 & Newer3.99%4.24%4.49%
2015 - 20135.24%5.49%--

Pop Up Campers
Model Year37 Months50 Months65 Months
2016 & Newer4.74%4.99%5.24%
2015 - 2013--5.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Boats

Rates As Low As*

Model Year37 Months50 Months65 Months
2016 & Newer3.99%4.24%4.49%
2015 - 20135.24%5.49%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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ATVs, Jet skis, Snowmobiles, Lawn Tractors

Rates As Low As*

Model Year37 Months50 Months65 Months
2016 & Newer4.74%4.99%5.24%
2015 - 2013--5.99%--

*Rates are stated as Annual Percentage Rate (APR) and include a .25% discount through the EcoPlus Account which requires member to subscribe to e-Statements and establish a recurring direct deposit. The APR you receive will be based upon creditworthiness criteria. A maximum loan to value (LTV) of 100% applies. Value based on the lesser of NADA retail value or purchase price. Rates are subject to change without notice.
Loans for over 100% LTV and older models with flexible payments also available at similar money saving rates.
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Mortgage Rates

Real Estate rates are accurate as of the date shown and subject to change without notice. Some rates may require the payment of points. Rates and terms assume owner-occupied, single-family property for the loan amount. The home loan rates and terms listed here are example only and are subject to change without notice. Rates may vary due to subject property, loan characteristics, credit qualifications and other factors. Property and flood insurance may be required. Example is for purchase only. Please contact our Real Estate Department at (563) 557-5001 ext. 4840 or (800) 475-1331 for up to the minute information. Rates last updated:  September 25, 2020

TypeTermPointsRateAnnual Percentage Rate (APR)
15 Year Fixed15 Years02.375%2.4695%
20 Year Fixed20 Years02.750%2.8235%
30 Year Fixed30 Years02.875%2.9207%
FHA Loan30 Years02.750%2.9396%
VA Loan30 Years03.000%3.2248%
USDA Loan30 Years03.000%3.2104%

Example Terms of Repayment based on loan amount of $150,000
15-year fixed rate mortgage at the stated rate equals 180 payments of $6.60 per $1,000 borrowed.
30-year fixed rate mortgage at the stated rate equals 360 payments of $4.14 per $1,000 borrowed.
Other rates and terms available. Please call (563) 582-1331 or (800) 475-1331.

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Home Equity Plus Line of Credit

Rates As Low As*

 RateTypeTerm
Home Equity Plus Line of Credit1.89%*Variable**Based on the loan amount borrowed.

*Rates are stated as Annual Percentage Rate (APR) and are subject to change without notice. 1.89% APR introductory rate converts to a quarterly variable rate based on the 13-week Treasury Bill Index after December 31, 2020. Rate depends on credit qualifications and approval.  Best rate based on current index would be 4.49% APR or 5.25% APR based on individual credit qualifications beginning January 1, 2021.  Maximum rate of 18% APR.  Rates shown are for homeowners with maximum 80% CLTV (first mortgage balance plus HELOC limit divided by property value). The minimum loan amount is $10,000.  HELOC account holder must have direct deposit to a DuTrac Community Credit Union checking account with auto pay to the loan.  An appraisal fee may be required and can average between $150-$450. Property insurance is required.  Some restrictions may apply.  Finance charges begin to accrue on the day a draw is taken. No grace period applies. Membership is required by opening a $5.00 share savings account.  Not valid for existing home equity lines of credit with DuTrac or DuTrac HELOCs that are refinanced.  Not valid with any other  offers.  Offer may end at any time without notice.  Offer expires September 30, 2020.

**May adjust quarterly based on 13 week Treasury Bill rounded up to the next 1/4% + Margin.  Rate may vary after account is opened.  You must pay certain fees to third parties and closing costs to open the plan. These fees generally total between $50.00 and $650.00. Closing cost may be waived if the loan is on auto-pay and you have your payroll on direct deposit with us.

The minimum payment may not reduce the principle that is outstanding on your plan. You may then be required to make a single balloon payment at the time your payoff period at the time of your last advance expires or the final payment date, whichever occurs first. Unless otherwise required by applicable law, we are under no obligation to refinance the balloon payment at that time. You may be required to make payments out of other assets you own or find a lender, which may be us, willing to lend you the money. If you refinance the balloon with us, you may have to pay some or all of the closing costs.

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Lot Loans

TypeTermPointsRateAnnual Percentage Rate (APR)
Lot Loan - $35,000 (75% LTV)3 year balloon, 10 year amortization04.25%6.1875
Lot Loan - $35,000 (80% LTV)3 year balloon, 10 year amortization04.99%6.9358%

*The APR you receive will be based upon creditworthiness criteria. Rates are subject to change without notice.
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Credit Cards

Rates as of September 1, 2020

Card TypeAnnual Percentage RateRate Type
Platinum Rewards Mastercard7.99%Variable*
Choice Mastercard9.49%Variable**
Choice Mastercard14.90%Non-Variable
Business Platinum Rewards Mastercard8.24%Variable***

*VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 7.74%. The effective date of any changes will be on the cycle date in February, May, August and November.
**VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next highest 1/4% plus a margin of 9.24%. The effective date of any changes will be on the cycle date in February, May, August and November.

***VARIABLE RATE INFORMATION: The Annual Percentage Rate (APR) may vary quarterly. The rate is based on the 13 Week U.S. Government Treasury Bill as stated in the Wall Street Journal on the 10th of January, April, July, and October, rounded to the next 1/4% plus a margin of 5.49%. The APR will not be lower than 8.24%. The effective date of any changes will be on the cycle date in February, May, August and November.
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Certificates of Deposit (CD)

Rates as of September 11, 2020

CDMarketplace

 StandardEcoPlus Account Bonus**
Dividends CalculatedQuarterlyQuarterly
Dividends PaidQuarterlyQuarterly
Minimum Opening Deposit$1000$1000
Term of CertificateDividend RateAPY*Dividend RateAPY*
6 Months0.25%0.25%0.50%0.50%
12 Months0.40%0.40%0.65%0.65%
18 Months0.50%0.50%0.75%0.75%
24 Months0.65%0.65%0.90%0.90%
30 Months0.75%0.75%1.00%1.00%
36 Months0.85%0.85%1.10%1.10%
48 Months0.95%0.95%1.20%1.21%
60 Months1.05%1.05%1.30%1.31%


*APY = Annual Percentage Yield
**Checking accounts require an opening deposit of $25. Rate may change after the account is opened.

Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
A penalty may be imposed for early withdrawal.
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Checking Account

Dividend Yields as of June 30, 2020

Relationship Checking Account Balance*Dividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$10000.00%0.00%Avg. Daily Bal.QuarterlyNone
$1000 to $9999.990.05%0.05%Avg. Daily Bal.Quarterly$1000
$10,000 and above0.10%0.10%Avg. Daily Bal.Quarterly$10,000

*Value Checking and EcoPlus accounts do not earn dividends on any balance.
**APY = Annual Percentage Yield
Checking accounts require an opening deposit of $25.
Rate may change after the account is opened.
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Relationship Business Checking Account

Dividend Yields as of June 30, 2020

Tier BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$20000.00%0.00%Avg. Daily Bal.QuarterlyNone
$2000 to $9999.990.05%0.05%Avg. Daily Bal.Quarterly$2000
$10,000 to $49,999.990.10%0.10%Avg. Daily Bal.Quarterly$10,000
$50,000 and above0.15%0.15%Avg. Daily Bal.Quarterly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $100.
Rate may change after the account is opened.
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High Yield Checking

Dividend Yields as of September 1, 2020

High Yield Checking BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.25%0.25%Avg. Daily Bal.Monthly$2500
$10,000 to $24,9990.35%0.35%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.40%0.40%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.45%0.45%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
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Share Savings & Sub-Share Savings

Dividend Yields as of June 30, 2020

Share BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY**
<$50000.05%0.05%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.15%0.15%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.25%0.25%Avg. Daily Bal.Quarterly$25,000

*APY = Annual Percentage Yield
** Minimum balance does not apply to members under age 18.
Minimum opening deposit for share savings account is $5.
Rate may change after the account is opened.
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Money Market Savings

Dividend Yields as of September 1, 2020

Money Market BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.00%0.00%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.40%0.40%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.50%0.50%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.990.60%0.60%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.70%0.70%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $2,500.
Rate may change after the account is opened.
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IRA Savings, Holiday/Vacation Club, Escrow Accounts

Dividend Yields as of June 30, 2020

Account TypeDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
IRA0.90%0.90%Avg. Daily Bal.QuarterlyNo Minimum
Christmas/Holiday Club0.05%0.05%Avg. Daily Bal.QuarterlyNo Minimum
Vacation Club0.05%0.05%Avg. Daily Bal.QuarterlyNo Minimum
Escrow0.05%0.05%Avg. Daily Bal.QuarterlyNo Minimum

*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Business Share Savings

Dividend Yields as of June 30, 2020

Tier BalanceDividend RateAPY**Dividends Paid OnDividends PaidMinimum Balance to Receive APY
<$50000.05%0.05%Avg. Daily Bal.Quarterly$100
$5000 to $24,999.990.15%0.15%Avg. Daily Bal.Quarterly$5000
$25,000 and above0.25%0.25%Avg. Daily Bal.Quarterly$25,000

*APY = Annual Percentage Yield
Rate may change after the account is opened.
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Health Savings Accounts

Dividend Yields as of September 1, 2020

Health Savings BalanceDividend RateAPY*Dividends Paid OnDividends PaidMinimum Balance to Receive APY
< $25000.20%0.20%Avg. Daily Bal.MonthlyNone
$2500 to $9999.990.25%0.25%Avg. Daily Bal.Monthly$2500
$10,000 to $24,999.990.30%0.30%Avg. Daily Bal.Monthly$10,000
$25,000 to $49,999.000.35%0.35%Avg. Daily Bal.Monthly$25,000
$50,000 and above0.40%0.40%Avg. Daily Bal.Monthly$50,000

*APY = Annual Percentage Yield
Minimum opening deposit of $25.
$2.00 monthly service fee if balance is less than $1,000.
Rate may change after the account is opened.
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